Personal Injury Coverage
Personal Injury coverage may not be what you think it is.
If someone slips on your sidewalk and breaks his arm, that is indeed a rather personal injury, but it falls under your Liability coverage and is known as bodily injury.
Personal Injury coverage is also known as personal offense insurance and protects you in case of the following:
Libel or slander
False arrest, detention or imprisonment
Wrongful eviction or wrongful entry
The associated legal costs
We know what you’re thinking: “This would never apply to me,” you might want to reconsider that. Here’s an example of how this coverage could protect you:
You are browsing through NextDoor one evening, and you see a post that really irritates you. You comment something to the effect that the OP (original poster) should do his homework before writing such inanity. You get lots of thumbs-up emojis from other members, but the OP goes quiet.
The next thing you know, you are being served with papers accusing you of slander. Whether warranted or not, you will face defense costs and potential settlement fees that will come out of your pocket without Personal Injury coverage.
Worth noting, this coverage will not protect you if it can be shown that you knew what you were doing was wrong or illegal. But this coverage extends to your children, too, who may not know the dangers when they are tweeting or making TikTok videos.
The coverage is affordable and will protect you and your family in this litigious world of ours.